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Loan City Home Loans Disclosures & Licenses

Loan City Home Loans is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

Loan City Home Loans State Disclosure Requirements

USA Patriot Act Notice

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN

To help us prevent fraud and to help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for and/or obtains a mortgage loan.
What this means to you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
The information being requested and observed is for compliance with the requirements of Section 326 of the USA Patriot Act implementing customer identification, and verification requirements. Our Privacy Policy and Federal law will protect your identification.

Equal Housing Lender

We do business in accordance with federal Fair Lending Laws.

Under the federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18), to:

-Deny an loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling any loan secured by a dwelling; or
-Discriminate in fixing the amount, interest rate, duration, application procedure, or other terms or conditions of such a loan, or in appraising property.

If you believe you have been discriminated against, you should send a complaint to:

Under the Equal Credit Opportunity Act, it is illegal to discriminate in any credit transaction:

-On the basis of race, color, national origin, religion, sex, marital status, or age;
-Because income is from public assistance; or
-Because a right was exercised under the Consumer Credit Protection Act.
If you believe you have been discriminated against, you should send a complaint t
FDIC Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, MO 64108